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Legacy

What Do You Want Your Money to Say After You're Gone?

Legacy planning is less about tax efficiency and more about answering the deeper questions first.

Multigenerational family gathered in the living room of a coastal home

Two extremes, one third path

I meet people at both ends. Some accumulate endlessly, driven by a fear that no number will ever be safe. Others spend as though the balance will refill itself. Both extremes are exhausting, and neither produces peace.

There is a third path I call the Radical Middle: enough to live well, enough to sleep soundly, and the freedom to give with purpose.

What the Radical Middle actually requires

It requires a number. Not a vague sense of comfort — an actual figure, tested against inflation, taxes, longevity, and the life you intend to live. Once that number exists, everything above it becomes available for purpose instead of anxiety.

Sharon, a supply-chain executive I worked with, spent decades in a 60-hour-a-week enforcement role. What changed for her wasn't a return; it was seeing on paper that she only had a few more years to go. Each planning meeting was, in her words, like pulling into a charging port. She retired in her fifties. The last time we met, she was headed to do yoga by the lake.

Legacy is a message, not a transfer

Ask what you want your money to say after you are gone. To your children. To your church or community. To the institutions you care about.

Then work backward:

  • Which values do I want the structure to reinforce — work, generosity, education, stewardship?
  • What should my heirs know about why, not just how much?
  • What can I give now, while I can watch it work?

Tax efficiency matters. It is a tactic. The deeper question comes first, and answering it is what turns accumulation into meaning.

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Joshua works with families, business owners, and executives navigating exactly these decisions.